Job Responsibilities
Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations.
Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L; trade-offs.
Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions.
Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities.
Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics.
Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite.




Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support.
Contribute to special projects related to portfolio optimization, decisioning process improvement, and strategic initiatives.

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Required Qualifications, Capabilities and Skills

4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization).
Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations).
Solid understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability).
Robust logical reasoning and structured problem solving; able to make transparent assumptions and produce defensible decisions.
Excellent wr

📌 Associate Credit Strategy Chase Auto Bengaluru
🏢 JPMC
📍 Bengaluru